Question 1

How does the FinDynamic platform work?

Accepted Answer

FinDynamic is a multi-bank digital platform that allows buyers and suppliers to manage Supply Chain Finance programmes simply and entirely online. Onboarding is digital and requires no paper documentation.

Question 2

How many banks are integrated on the platform?

Accepted Answer

The FinDynamic platform integrates the main Italian and European banks and investment funds, offering access to multiple sources of liquidity through a single contract and a single interface.

Question 3

How does onboarding on the platform work?

Accepted Answer

Onboarding is completely digital. The buyer signs the contract online, configures their programmes and invites suppliers by email. Suppliers register in a few minutes at no cost.

Question 4

Is FinDynamic integrated with corporate ERP systems?

Accepted Answer

Yes, FinDynamic integrates natively with major ERPs (SAP, Oracle, Zucchetti, TeamSystem, Piteco, DocFinance and others) via API or pre-configured connectors, automating invoice loading.

Question 5

What is Dynamic Discounting?

Accepted Answer

Dynamic Discounting is a solution that allows the buyer to offer its suppliers early payment of approved invoices, in exchange for a discount proportional to the days of advance. The buyer uses its own liquidity without banking intermediaries.

Question 6

What is the average return on Dynamic Discounting?

Accepted Answer

The return depends on the agreed rate and the days of advance, but typically ranges between 2% and 5% per annum, significantly higher than bank deposit rates.

Question 7

Is Dynamic Discounting mandatory for all suppliers?

Accepted Answer

No, the programme is completely voluntary for suppliers. Each supplier can freely choose whether and when to request early payment for each invoice.

Question 8

Is there a sustainable version of Dynamic Discounting?

Accepted Answer

Yes. FinDynamic's Sustainable Dynamic Discounting allows the discount rate to be modulated based on the supplier's ESG score, automatically rewarding the most virtuous behaviour.

Question 9

What is the difference between Confirming and Dynamic Discounting?

Accepted Answer

In Dynamic Discounting it is the buyer who finances suppliers with their own liquidity. In Confirming it is a bank or fund that does so, so the buyer does not immobilise their own capital but offers suppliers access to financing at advantageous rates.

Question 10

Is Confirming available for foreign suppliers?

Accepted Answer

Yes, FinDynamic supports Confirming programmes with suppliers in over 35 countries, managing the regulatory and currency specificities of different markets.

Question 11

How much does it cost to register as a supplier?

Accepted Answer

Registration on the FinDynamic platform as a supplier is completely free. Costs are only linked to the optional use of invoice advance services (discount applied to individual transactions).

Question 12

How quickly do I receive the early payment?

Accepted Answer

Once the advance request is confirmed, payment is credited to the supplier's bank account within 24-48 working hours.

Question 13

Do I need a credit assessment?

Accepted Answer

No. In Dynamic Discounting and Early Payments programmes, the rate is based on the buyer's credit rating, not the supplier's. No assessment or guarantee is required from the supplier.

Frequently asked questions